The Importance of Properly Caring For Your Tires

At Premier Group Insurance, serving Lakewood, CO, we want to help you prevent accidents. Properly caring for your tires can significantly help.

Why Proper Tire Care is Important

Tires are essential to your vehicle and are responsible for keeping you safe on the road. Proper tire care can help extend the life of your tires, improve fuel efficiency, and ensure your safety while driving.

Tire Maintenance Tips

Here are some tips to help you maintain your tires:

Check Tire Pressure Regularly

Maintaining proper tire pressure is crucial for your safety and the longevity of your tires. Under-inflated tires can cause poor handling, reduced fuel efficiency, and even tire failure. Overinflated tires can cause uneven wear and a harsh ride. Check your tire pressure at least once a month and before long trips.

Inspect Your Tires

Regularly inspect your tires for signs of damage, such as cuts, punctures, or bulges. If you notice any of these signs, have your tires inspected by a professional.

Rotate Your Tires

Rotating your tires regularly can help ensure even wear and extend the life of your tires. Check your owner’s manual for recommended rotation intervals.

Keep Your Wheels Aligned

Misaligned wheels can cause uneven tire wear and poor handling. Have your wheels aligned at least once a year or if you notice your vehicle pulling to one side.

Avoid Overloading Your Vehicle

Overloading your vehicle can cause excessive tire wear and even tire failure. Check your owner’s manual for recommended weight limits.

Proper tire care is essential for your safety and the longevity of your tires. Premier Group Insurance, serving Lakewood, CO, is committed to helping you stay safe on the road. Contact us today to learn more about our auto insurance policies.

Smart Auto Insurance Options For Older Vehicles

Owning an older car comes with its own challenges, as your auto insurance company, Premier Group Insurance in Lakewood, CO, can tell you. Also, driving an older vehicle can be a real joy, especially if you’re holding onto it for sentimental reasons. Ensure you get proper insurance coverage to take care of those unique older car challenges.

Mechanical Breakdown Insurance

Older cars have more unexpected mechanical failures than most newer vehicles. Mechanical breakdown insurance may cover the costs of many significant repairs, ensuring that a sudden breakdown doesn’t burn a hole in your pocket or force you to have your car out of commission while you save for a costly repair.

Roadside Assistance Rider

Being stranded on the side of the road is a situation that no one wants to find themselves in. Unfortunately, with an older car, this is more likely to happen. Adding roadside assistance to your policy provides peace of mind, knowing that help is just a call away for a flat tire, dead battery, or something similar.

Rental Car Coverage

One of the realities of owning an older vehicle is the potential for unexpected breakdowns, leaving you without transportation. Even if you take great care of your car, emergencies do happen. While your car’s in the shop getting fixed, you still need to get back and forth to work, drop off the kids at school, etc. Adding rental car coverage ensures you have a backup mode of transportation, allowing you to continue your daily routines without a hitch.

For more information about ensuring adequate protection for your older vehicle, contact Premier Group Insurance serving Lakewood, CO. We’ll be happy to review your current auto policy and assess your auto insurance needs.

What is the difference between comprehensive and collision insurance?

Comprehensive insurance and collision coverage are two types of insurance policies that can help protect you in the event of an accident or other covered incident. While they cover different aspects of your vehicle, there are some key differences between comprehensive and collision insurance that you should be aware of when deciding which type of coverage is right for you.

  • Comprehensive insurance typically covers damage to your vehicle from non-collision incidents, such as a storm, theft, vandalism, or fire.
  • Collision insurance typically covers damage to your vehicle resulting from a collision with another object or vehicle.

While you may not need comprehensive and collision coverage for every vehicle you own, there are certain situations where it could be helpful. For example, if you drive in areas that are prone to severe weather or natural disasters, such as hurricanes or wildfires, then comprehensive coverage can help protect your vehicle from damage during these events.

In contrast, if you only drive in urban areas and rarely encounter any hazards on the road, then you may not need collision coverage and could instead opt for more basic auto insurance policies.

Ultimately, the correct type of insurance coverage will depend on your individual needs and driving habits, as well as your budget and other financial considerations. When deciding between comprehensive or collision insurance, it is essential to consider all of these factors and thoroughly research your options to find the best policy for you.

Whether you choose comprehensive or collision insurance or opt for a combination of both types, it is crucial to understand the risks and benefits associated with each so that you can make an informed decision. If you have any questions, give Premier Group Insurance a call. We proudly serve the Lakewood, CO area.

Three Coverages You Must Have for your Colorado Auto Insurance Policy

Auto insurance is one of the most important policies to have in your portfolio. There are many coverages available. However, what is the most important? Here are three policy coverages you must have in Colorado.

Liability and Property Damage

Other drivers or property owners can directly sue you for damage without proper liability and property damage insurance. Further, legal costs and settlements due to a vehicle accident can financially break you. Thus, work with a company like Premier Group Insurance in Lakewood, CO to determine the proper liability and property damage amounts. 

Collision and Comprehensive Coverage

The right collision coverage helps repair vehicle damage caused by another vehicle or a stationary object. Meanwhile, you need comprehensive coverage for damage related to fire, vandalism, or natural disasters. 

Without the appropriate coverage amounts, you can’t repair issues that go beyond cosmetic. In other words, you may not have the necessary funds to address mechanical difficulties. Further, you can’t take care of items like hail damage. As a result, you can be left without a car or have to find a way to finance a new automobile.

Gap Coverage

Although it’s not part of a standard auto insurance policy, gap insurance is a must-have coverage. It is critically important if you have a new or pre-owned vehicle you still finance. Without gap coverage, you may not have the needed funds to pay off your car and purchase a new one. Conversely, a gap coverage policy helps pay off the remaining vehicle payments, thus ensuring your financial stability. 

Do you have further questions on the auto insurance coverage you need? If so, contact a representative from Premier Group Insurance in Lakewood, CO for further details.

What’s included in my Lakewood, CO auto insurance policy?

Unfortunately, accidents happen. When they do, it’s important to have the proper auto insurance coverage.

Premier Group Insurance can help. With offices located in Lakewood, CO and the surrounding areas, their agents break down five must-haves for any auto insurance policy.

Bodily injury liability

This applies to injuries caused by a designated driver or policyholder. Colorado requires a minimum of $25,000 for bodily injury or death to anyone person in an accident and $50,000 total for all persons in any single accident. This is often referred to as "25/50." Although this is the baseline coverage, most agents recommend carrying more to protect personal property and assets.

Medical payments coverage

This reimburses any medical expenses that you or passengers incur during a driving incident. Despite being able to opt-out, any agency must offer a medical payment plan of at least $5,000.

Property damage liability

This covers any destruction or damage that results from an accident. While this usually means another driver’s vehicle, it also applies to mailboxes, fences, buildings, or any other structures you may hit. Colorado mandates at least $15,000 for any lone accident. 

Uninsured motorist coverage

If you are hit by someone with inadequate coverage, this plan kicks in. Like medical payment coverage, the state requires companies to offer this to their customers. While it’s encouraged, you can choose to pass on this coverage.

Collision and comprehensive coverage

Collision insurance pays for damage sustained to your personal car during an accident, while comprehensive coverage protects against theft, vandalism, fire, and other non-collision events. Both are optional under state law and will likely include a deductible.

Set up an appointment with Premier Group Insurance

Serving Lakewood, CO, the agency wants to ensure you are driving safely. Call Premier Group Insurance today to discuss your auto insurance needs.

Does my auto insurance cover rental cars

It is that time of year again when thoughts turn to vacation. This means you may want to rent a vehicle when you get to your destination or you may want to rent a vehicle for your great road trip. When you go online to begin your booking, you will find that after you pick your dates, location, and type of vehicle you will start to be questioned about the type of insurance you want to purchase. Premier Group Insurance in Lakewood, CO is dedicated to working for our customers to provide high-level customer service. 

The answer to the question "Does my auto insurance cover rental cars" is not a simple yes or no answer. At best it is maybe. It really depends on the type and amount of insurance you carry. If you have a basic insurance policy with just liability coverage, you probably need to depend on something besides your auto insurance for coverage. If your liability level is one you are comfortable with, you won’t need any additional liability coverage but the CDW (Collision Damage Waiver) will protect the rental car in the event you have an accident. 

If you have a credit card that offers car rental coverage, you can make that your primary coverage. Talk to the credit card company to find out what coverage they offer and if it will give you peace of mind. 

If, however, you have full coverage on your primary vehicle, with collision and comprehensive coverage and your vehicle is relatively new, your auto insurance should provide all the coverage you will need unless you are renting an extremely expensive vehicle. When in doubt, talk to your insurance agent about the level of coverage you have and whether it is enough.

Contact Premier Group Insurance in Lakewood, CO for all your auto insurance needs.

Three options you have when you purchase auto insurance in Colorado

It’s important to consider all your options and do your research before you select an auto insurance policy in Lakewood, CO. We can help you explore your options at Premier Group Insurance. 

The following are three options you have when you purchase auto insurance in Colorado.

Deductible amount

The deductible amount is the amount you have to pay before your insurance coverage will start paying for the costs of your claim. The higher your deductible amount is, the less expensive your monthly premiums will be.

However, choosing a higher deductible amount is probably not a good idea. If you choose a high deductible amount, you might have trouble paying it in the event of a claim. 

Collision or comprehensive coverage

You do not have an option in Colorado of whether or not to purchase liability coverage. However, you do have a choice of whether you want to purchase collision or comprehensive coverage. 

Collision coverage covers you for the costs of damages to your own vehicle in an accident. Comprehensive coverage covers you for damage caused by incidents like fires and vandalism. Both collision and comprehensive coverage are valuable types of coverage to have. 

Policy maximums

Insurance policies generally have maximized limits. A policy will only pay out so much money for a claim. The higher your maximums are, the more financially secure you’ll be in the event of an accident and a claim. 

It’s important to understand your options when you buy an auto insurance policy in Lakewood, CO. If you have any questions about your auto insurance options, feel free to ask us at Premier Group Insurance. Contact us via our website for assistance. 

What are the benefits of getting auto insurance in Colorado?

For most people that live in the Lakewood, CO area, owning a car is practically a necessity. When you have a car, you will have a convenient asset that makes it a lot easier to get around town and complete your daily tasks. When you do get a car, you should also get auto insurance as it will provide a car owner with a range of different benefits. 

Ensures Legal Compliance

One of the benefits that come when you protect yourself with auto insurance is that you can ensure you will remain in legal compliance. Those that need to drive a car on a public road are going to be required by law to carry auto liability insurance. When you have a full auto insurance policy, it will come with the necessary amount of liability insurance to protect you and be in compliance with state law.

Insurance Protects Asset

Buying a car is always a big purchase. Due to this, you will want to ensure that your investment is always properly covered and protected. A great way that you can do this is by getting a full auto insurance policy. A full policy will include many different forms of coverage including collision and comprehensive protection. With this coverage, you will receive protection to repair or replace your car if it is stolen or damaged.

As you are looking for insurance in the Lakewood, CO area, you should reach out to the team at Premier Group Insurance. When you call the team at Premier Group Insurance, you can learn a lot more about your needs and options. The team here can help you build a policy that will adequately protect you and your vehicle, which will also give you some peace of mind. 

Four steps to go through when finding auto insurance

In every state, some sort of financial responsibility coverage is required to legally drive. You need to go through a few steps to find the right auto insurance coverage for your needs. 

At Premier Group Insurance, we help Lakewood, CO drivers get on the road and enjoy the peace of mind of knowing they’re financially protected in the event of a roadway accident. The following are four steps we recommend that motorists go through in finding the right auto insurance policy for their needs:

Determine what types of auto insurance you need

Every motorist on the road needs basic liability insurance. This will cover any damages their vehicle causes to other vehicles, property, or people out on the roads. 

In addition to liability insurance, some drivers may need or want collision coverage that will compensate them for damages to their own vehicles. If your vehicle is financed, your lender will require you to have collision coverage to compensate you for damages to your vehicle.

Decide on how much coverage to get

You will need to meet state requirements regarding how much coverage you have. In addition, you can also get added coverage to be even more protected in the event of an accident. If you are a relatively inexperienced driver, you may want to add additional coverage. You might also want add-on coverage for protection against uninsured and underinsured motorists, for example. 

Look into discount possibilities

There are numerous discounts out there you may be eligible for. For example, you may be eligible for a discount for being in the military or for being a college student with a good academic record. 

Get quotes from a few providers and make a decision

The best way to get auto insurance at a good rate is to get numerous estimates from different providers and to choose which offer is best for your budget and needs. 

To learn more about auto insurance in Lakewood, CO or to purchase a policy, contact us with your inquiries at Premier Group Insurance

Does My State Require Insurance For A Stored Vehicle?

Let’s Be Clear…"I Store My Vehicle Daily In My Three-Car Garage"

Not That Kind Of Storage

Insurance doesn’t have to be such a stoic entity. We like to have fun at Premier. All vehicles are "stored" when not in use. However, when you plan on not using your vehicle for an indefinite amount of time, the vehicle is then classified as "not in use". 

You can remove the insurance and cancel the registration if you choose to. Speak with an agent at our agency first. This may not be wise as you will not be covered if the vehicle is stolen. You may want to consider the value of the vehicle and if you want to protect against theft. if you are in this situation currently, give us a call.

Many drivers have an alternative vehicle that they’re not quite ready to get rid of and at the same time, they don’t use. Just make certain that you discuss what can be done with a qualified insurance agent. 

In Lakewood, CO or elsewhere in Colorado state you can fill out a non-use of vehicle form once per year and return it to the county clerk office in the county of your permanent residence. This affidavit stipulates that you are not allowed to operate the vehicle and that no one else will operate it either.

In addition, to Lakewood, CO, Premier Group Insurance also serves Denver, Colorado Springs, Aurora, Fort Collins, Thorton, Pueblo, Westminster, and Centennial Colorado.  We are a 40 State conglomerate agency with local offices around the country. If you want to call us in the above-mentioned cities please do so today at 720-457-1101. We specialize in both home and automobile insurance.  Come see us first and stay forever.